T‑Mobile is dangling several “On Us” offers around Apple’s 2025 phones, but the fine print decides whether you’re getting the full $1,100 off or something less. Here’s what’s actually included, which plans qualify, how the trade‑in works, and where Yearly Upgrade fits.

What’s on the table right now

The carrier’s iPhone promos break into a few clear buckets:

  • iPhone 17 Pro “On Us” (up to $1,100 off): Up to $1,100 in credits over 24 months with a qualifying trade‑in and service on T‑Mobile’s premium Experience Beyond plan. See the current terms on the carrier’s deals page.
  • iPhone 17 “On Us” (no trade‑in required): The base iPhone 17 can be free via 24 monthly credits when you switch (port in) from an eligible carrier and add a line on an Experience plan (Experience More is called out in the offer details).
  • Up to $830 off iPhone 17 on most plans: With a qualifying trade‑in and a new line on many postpaid plans (typically $60+/mo with AutoPay), you can get bill credits up to $830.
  • Family bundle: A “4 iPhone 17 On Us” option exists when you add four new qualifying lines (credits over 24 months) on a specific four‑line plan offer.

Apple’s store also surfaces the same carrier promos; T‑Mobile is listed with “up to $1,100” off an iPhone 17‑series device for an eligible trade‑in “in any condition” under Carrier Deals.

Buyer Type Best Offer Requirements Plan Needed
Wants iPhone 17 Pro savings Up to $1,100 off Trade in eligible phone (any condition) Experience Beyond ($100+/mo)
Switching carriers, no trade-in iPhone 17 “On Us” Port in + add a line Experience More ($85+/mo)
On non-premium plan Up to $830 off iPhone 17 Trade in + add a line Most Plans ($60+/mo)
Family with 4 lines 4 iPhone 17 “On Us” Add 4 new qualifying lines Special 4-line promo
Yearly upgraders Go5G Next Upgrade Trade in after 6 months & 50% paid Replaces old promo

How the bill credits actually work

  • Discounts are paid out as 24 monthly bill credits tied to a financed phone on your line.
  • If you cancel the account before all 24 credits post, the credits stop and the remaining balance on the finance agreement becomes due.
  • If you pay off the device early, the monthly credits end.
  • A $35 device connection charge applies at activation.
  • Credits generally begin within up to two bill cycles after eligibility is verified.

Which plan you need (and why it matters)

The size of the discount is tied to the plan you pick:

  • Experience Beyond ($100+/mo with AutoPay): Required for the headlining “up to $1,100 off” 17 Pro offer when trading in an eligible phone. The same offer notes that example savings scale with the device you trade (e.g., iPhone 13 Pro → $1,100; iPhone 12 Pro → $830; iPhone 6 → $550).
  • Experience More ($85+/mo with AutoPay): Used for the iPhone 17 “On Us” port‑in offer (no trade‑in needed) and appears in other iPhone 17 discounts.
  • Most plans ($60+/mo with AutoPay): iPhone 17 discounts up to $830 when you trade in and add a line.

All of the above are spelled out in the offer footnotes on T‑Mobile’s deals page. Each line on promo must remain active and in good standing to keep receiving credits. There’s also a limit on the number of discounted devices per account (typically up to four for iPhone 17 promos).

Trade‑in rules: “any condition” vs. the basics

The 17 Pro headline explicitly says you can trade in an eligible phone “in any condition” on Experience Beyond for up to $1,100 in credits. That said, the trade‑in still has to be returned and processed. T‑Mobile’s trade‑in page explains the mechanics:

  • Ship or bring the old device within the 30‑day window after you receive the new phone.
  • Trade‑ins are final; the device isn’t returned once accepted.
  • T‑Mobile can adjust the base trade‑in value after evaluating the device. Promotional bill credits cover the rest of the advertised discount.
  • For standard trade‑ins, T‑Mobile lists typical condition checks (device powers on, front screen free of cracks, no liquid damage, activation locks off). The “any condition” language applies to the specific promo; general trade‑in terms still govern logistics and timing.

Tip: Before shipping, turn off Find My iPhone, back up your data, and document the IMEI and return materials.

Port‑in option: free iPhone 17 without a trade‑in

If you’re switching to T‑Mobile and adding a new line, the iPhone 17 can be free via 24 monthly credits on an Experience plan without trading in a device. Eligible port‑ins include specific carriers; check the eligible list and the rest of the terms on the current offer details.

Yearly Upgrade and Go5G Next: how upgrades interact with promos

T‑Mobile continues to offer a Yearly Upgrade‑style path tied to Go5G Next financing. The benefit lets you upgrade after you’ve had the device at least six months and paid 50% of its cost, when you trade in the financed phone in good working order; upgrading ends your current financing and any device promotion or credits on that line as the remaining balance is paid off as part of the upgrade process. The terms and constraints are outlined on T‑Mobile’s iPhone pages under the upgrade section (Yearly Upgrade terms appear in the fine print).

Why it matters: If you plan to swap phones every year, understand that starting a new upgrade resets financing and may replace existing bill credits with whatever promotions are active on the day you upgrade. It’s often best to confirm the promo that will apply to your line before you initiate the trade‑in.

How to redeem (and what to watch)

  • Start the upgrade or new‑line flow online. Choose the eligible line and confirm the correct promo is applied before checkout.
  • Complete the order and follow the trade‑in steps: disable activation locks, use the included ship kit or visit a store, and keep your tracking.
  • Expect credits to begin within up to two billing cycles after T‑Mobile receives and validates the trade‑in (or the port‑in completes for the no‑trade offer).

Common gotchas from the fine print on the deals page and trade‑in page:

  • Paying off the phone early ends your monthly credits.
  • Canceling the account ends credits and makes the remaining device balance due.
  • Miss the 30‑day trade‑in window? You can be unenrolled from the promo and charged full price for the device.
  • Max discounted devices per account and device connection charges apply.
  • If you recently canceled lines, you may need to reactivate before qualifying for certain multi‑line offers.

Quick reference: which offer fits which buyer

  • You want the most off a 17 Pro and you’re fine with a premium plan: trade an eligible phone “in any condition” on Experience Beyond for up to $1,100 in 24 credits.
  • You’re switching and don’t want to part with your current phone: port in and add a line on an Experience plan for iPhone 17 “On Us.”
  • You’re staying on a non‑premium plan: trade in and add a line for up to $830 off iPhone 17.
  • Upgrading yearly on Go5G Next: confirm your Yearly Upgrade eligibility window and which current promo will replace any existing credits.

Bottom line: T‑Mobile’s big “On Us” numbers are real, but they’re engineered around 24 monthly credits, a specific rate plan, and a returned device on schedule. Check the plan requirement first, lock the promo to the right line at checkout, and keep the trade‑in (or port‑in) paperwork tight to make sure the credits actually arrive.